The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$43,486
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,838
−HK$1,375/mo
Today · 4.125%
HK$46,213
baseline
▲ 0.50% · 4.625%
HK$49,025
+HK$2,812/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,426/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,377
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,675
−HK$1,316/mo
Today · 4.125%
HK$50,991
baseline
▲ 0.50% · 4.625%
HK$53,679
+HK$2,688/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$101,982/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,183
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,806
−HK$1,649/mo
Today · 4.125%
HK$55,455
baseline
▲ 0.50% · 4.625%
HK$58,829
+HK$3,374/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,910/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,053
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,610
−HK$1,579/mo
Today · 4.125%
HK$61,189
baseline
▲ 0.50% · 4.625%
HK$64,415
+HK$3,226/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,378/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,880
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,774
−HK$1,924/mo
Today · 4.125%
HK$64,698
baseline
▲ 0.50% · 4.625%
HK$68,634
+HK$3,936/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,396/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,728
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,545
−HK$1,842/mo
Today · 4.125%
HK$71,387
baseline
▲ 0.50% · 4.625%
HK$75,150
+HK$3,763/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,774/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,274
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,709
−HK$2,474/mo
Today · 4.125%
HK$83,183
baseline
▲ 0.50% · 4.625%
HK$88,244
+HK$5,061/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,366/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,079
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,415
−HK$2,369/mo
Today · 4.125%
HK$91,784
baseline
▲ 0.50% · 4.625%
HK$96,622
+HK$4,838/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,568/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,145 · Scale 2, in force from 26 Feb 2026)